If you are in a car accident, you’ll want repairs to your car to be covered. State Farm collision coverage can help
If you drive or own a car, you are required by your state to have some financial protection should you cause or be in an accident. Acquiring car insurance is typically the easiest way to meet these requirements and to ensure you and your passengers are protected while traveling in your car. But meeting just your state’s minimum insurance requirements may not be enough to adequately protect you. Adding additional coverage such as collision coverage to your car insurance might be a smart idea and State Farm is a leading provider of just such coverage.
If you buy insurance that merely meets your state’s minimum requirements, you are portably only getting liability coverage. State Farm liability car insurance coverage pays for damages to people and property that the 
policyholder (in this case, you) is responsible for. It also pays court costs in the case of a lawsuit resulting from an accident. For bodily injuries, the coverage extends to medical costs, lost wages and pain and suffering. In covering property damages, the coverage pays not only for the damage that occurs but also costs related to its loss of use. What this policy doesn’t cover is damage to your car in the event of an accident.
Adding collision coverage to your State Farm car insurance policy will give you added protection and cover repair costs on your car in the event of an accident. Even in a minor accident, the cost of replacing a headlight, a new bumper, or even just a touch-up on a paint job can add up quickly. State Farm collision coverage will pay for damage to a covered vehicle caused by any of the following:
- Collision with another vehicle
- Collision with an object
- A vehicle rollover
The cost of adding collision coverage to your State Farm car insurance policy will depend on a number of factors, but primarily it will depend on your deductible. The deductible is the set “out-of-pcklet” amount you are willing to pay over the course of the year to cover expenses otherwise covered by the policy. Setting a higher deductible will lower your premium but increase the amount you'll have to pay out of your own pocket at the time of a loss. Ask yourself how much you're willing to pay when a loss occurs to save money on premiums and also consider how much repair costs to your car will be should something happen. You can also evaluate how high a deductible to set by considering your driving habits and how likely you are to hit something that could trigger a collision claim.
You can also get a sense of how much coverage you should take on and how much it will cost by discussing your options with a local State Farm agent. Reply! can put you in contact with local insurance professionals eager to assist you, today.